Getting dental insurance is as necessary as getting life or health insurance policies. However, purchasing a good policy that falls within your budget is not an easy task. You have to consider several things besides the cost before settling on a dental insurance plan. The following are some important questions you should ask yourself before picking a dental plan for you and your family. Take a closer look.
What are the plans available?
Of course, the type of plans available is the first and foremost thing you should consider before choosing a dental insurance policy. Today, several types of dental plans are available and what will do the best for you and your family often comes down to a matter of personal choice. The following are the popular dental policy plans you can avail of today.
The indemnity plans – The indemnity plans are similar to the common medical insurance plans except an added percentage split on the expenses. You have to pay a monthly premium amount and some insurers include a deductible along with such schemes. If your scheme involves the deductible and once it is reached, the insurer splits the costs 20 percent/80 percent between the insurance company and you respectively. The split percent may vary according to your insurer and most of the plans that fall under this category cover any dentist within a specific geographical region.
Dental HMOs – In the dental HMO plans, you can choose a primary care dentist and visit him/her for your regular checkups. These primary dentists can send you to the specialists for additional checkups, but a referral is necessary. Usually, such plans come with a co-pay setup where you need to pay a yearly premium or regular monthly premiums along with a set amount for each checkup.
Can you choose your own dentist and what are the features covered?
Like the health insurance policies, some dental insurance plans allow you to choose your own dentist while others restrict you to certain dentists and their particular networks. So, if you have a favorite doctor and you wish to keep consulting them in the future as well, ensure that the plan you prefer allow you to consult any dentist. The features covered should be the next important aspect you should take into account. Ask the insurer about the features and benefits included with every plan and choose one that complements your needs. Keep in mind that a good dental insurance plan should include fluoride treatments and X-rays without any additional costs along with at least two free cleanings every year.
Is the insurer is reputed and well experienced?
Of course, sticking with a well experienced and reputed insurance provider is the best way to get the maximum benefits. But if you are not aware of the leading insurance carriers in your area that provide their customers better plans and customer support, contact the nearest consumer protection agency and collect the details of the reputed insurance companies. You can also make use of the internet to compare the features included in different dental insurance policies provided by reputed insurance companies.